A flood is an overwhelming experience. But taking quick action will put policyholders back in control of their home and their life.

Step One

Report the claim to-

The Flood Insurance Agency
Information we will need from you:       

  • Date of Loss
  • Description of Loss
  • Contact information including temporary address for the policyholder if they are not able to stay in their home
  • Phone number where the policyholder can be reached during the evening
  • The policyholder email address

An adjuster will be assigned within 48 hours.  In cases of widespread flooding it can take longer. While you are waiting to be contacted by an adjuster begin step two.

Step Two

Separate Property: The insurance policy requires the policyholder to separate damaged property from undamaged property. But don’t throw anything away before an adjuster has seen it, unless local law requires you to. In that case, take photos of the property before disposing of it and keep samples for the adjuster to see. (For example, cut out a piece of wall-to-wall carpet.) Do everything possible to protect undamaged property. However, prior to signing an agreement/contract with a cleaning, remediation, or maintenance contractor, policyholders should consult with the flood adjuster or flood insurer concerning coverage.
Review FEMA’s Claims Handbook for further information and instruction about the claims process.  Even though the policy is not issued through FEMA, the Private Market Flood Policy is the same as the FEMA policy and is settled the same.
Claims Handbook:

Important Tips:

  • If waters rise in the house before you can leave safely, move to the highest level necessary— even the roof. Take extra clothing, a radio, a flashlight and, if possible, food.

  • If time allows, turn off electricity at the breaker or fuse box and close the main gas valve; get valuables (furs, jewelry, important papers) to a higher level; fill bathtubs, sinks and plastic soda bottles with water. (Sanitize tubs and sinks with bleach, rinse and then fill); and bring outdoor possessions (lawn furniture, grills, etc.) inside or tie them down securely.

  • Keep away from downed power lines and any other electrical wires— electrocution is always a major cause of death in floods.

  • If you hear hissing or smell gas, leave immediately and call the gas company. Using a home phone or cell phone inside the house could spark an explosion.

Resource Links:

Prepare, Plan, Stay Informed

Replacing important papers:

Helping Pets

Mold, Moisture and the Home

How Do I Find A Place to Stay?

How Do I Find My Family?

Disaster Assistance